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$685K · 3 bed Condo Townhouse · Unit 72, 635 Saginaw Parkway, Cambridge, Ontario N1T 0C1 | HomeSearchCanada

$685,000

Unit 72

23 DOM

3323d

Map

DOM 23

$685,000

DOM23days

Unit 72

635 Saginaw Parkway · Cambridge · Ontario N1T 0C1

MLS® X13671866 · N1T 0C1

33OwnerOccupied1600-1799 ft²Condo Townhouse1-car AttachedFull, Partially Finished23d$403/ft²$4,915 tax/yrBuilt 201313 yrs oldFull, Partially Finished

23 days on market

About this home

Beautiful family townhome in a sought after community of north Galt, conveniently located a short drive to 401. This 3 bed, 2.5 bath home has been meticulously cared for with modern updates throughout. The Open concept kitchen features stone counters, stainless steel appliances and peninsula bar top. The large living room with hardwood floors leads to a private deck and yard. The primary bedroom offers lots of room for a king sized bed, private 3 piece ensuite with tiled shower and a walk-in clo…

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Property details

MLS#: X13671866
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 3 full, 0 half
Rooms: 6 + 2
Kitchens: 1
Size: 1600-1799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Partially Finished
Style: 2-Storey
Type: Condo Townhouse
Year built: 2013

Occupancy: Owner Occupied
Washrooms: 4 pc · Second; 3 pc · Second; 2 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Zoning: RM4

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Cul de Sac/Dead End, Public Transit, School

Condo corp #: 575
Balcony: None
Locker: None
Association amenities: BBQs Allowed
Fees include: Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick Veneer, Stone · Deck
Fronting on: —
Cross street: Light Drive
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Laundry level: Upper Level
Interior: Bar Fridge, Rough-In Bath, Sump Pump, Water Heater, Water Softener
Parking features: Private

Additional listing data

ListAOR: One Point Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: RE/MAX Solid Gold Realty (II) Ltd

Source: TRREB/PROPTX · MLS® X13671866

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$685K

Unit 72 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $685,000✓ $4,915 tax✓ Gas✓ 1600-1799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,675/mo

incl. closing costs (yr 1)

Annual total

$68,104

year 1

Mortgage only

$2,599/mo

principal + interest

Beyond mortgage

$1,770/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$137,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$410/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,700 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$6,850/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$30/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$10,175

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $31,184/yr

Property taxes22% $15,090/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $6,850/yr

Condo fees6% $4,320/yr

Closing costs7% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$31,184	$2,599/mo
Government & taxes
Property tax	$4,915	$410/mo
Land transfer tax(closing)	$10,175	$848/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,850	$571/mo
Condo fees
Condo / HOA fees	$4,320	$360/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$68,104	$5,675/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 72

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs